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LAS VEGAS — Right now, many recent high school graduates are facing a tough question — is it worth it to take on tens of thousands of dollars in debt to attend college during a pandemic?The irony of building credit is that it requires taking on debt — and no one wants to take on debt, especially during the pandemic. But according to one credit expert, there are some simple financial moves that parents can make right now to set up their kids for future financial success.Building credit isn't priority number one for kids, but it could open or close a lot of doors down the road."Good credit can make things easier for you in the future, whether it's securing loans, credit cards with better terms and rates. It might even help your ability to land a job or a desirable apartment," said Nathan Grant, a senior credit industry analyst at CreditCardInsider.com.Grant says that even though kids can't open their own bank account until their 18, parents can start teaching kids about credit long before that, perhaps with a prepaid card."Many of those allow for monthly direct deposits. So, you could have their allowance loaded directly on their card, and that could, at an early age, give them a way to understand budgeting and using a card that has a limit on it to teach them better spending habits," Grant said.Then, as children approach adulthood, Grant says that parents should consider making them an authorized user on a family credit card. Even if parents are not ready to let kids make purchases and payments on the card, Grant says just making them an authorized user will help them build credit."Many credit card issuers offer this, and most issuers report the account's activity in the authorized user's name, whether or not they are actually using the account. So, you can add them as a user and not give them access. It will hopefully build their credit up right out of the gate," Grant said.When kids are ready for their own cards, parents shouldn't just pick the shiniest piece of plastic. Grant says a secured credit card could be a safer option for someone with little or no credit."It uses a refundable security deposit that you fund yourself to fund the account's credit limit, upon approval," Grant said. "So, there's less risk on the issuer's part. So, for somebody who is new to credit or doesn't have any credit history, that could get your foot in the door.Grant said he couldn't offer advice either way on whether grads should pay for college with credit. But he said that anyone that decides to take a "gap year" should try to pay off any existing debts and save for the future.For those that do decide to go attend college, Grant has some general advice."The best rule of thumb, on top of just general responsible use, is just try not to use your credit card for purchases you know you won't be able to pay off before that monthly due date," he said. "Not spending beyond your means, that's going to be more valuable in your college years than ever."For more ways to boost your credit score, click here.This story was originally published by Ross DiMattei on KTNV in Las Vegas. 3114

LEBANON, Indiana — A 4-year-old girl was hospitalized in critical condition after she was accidentally shot Thursday by her younger brother, police say.According to the Lebanon Police Department, the shooting happened at the children’s grandparent’s house in the 300 block of N. Park Street shortly after 10 a.m.The 4-year-old was shot in the head by her younger brother, believed to be 2 years old, police say.The 4-year-old was taken to Riley Hospital in critical condition, police say. Investigators from the Lebanon Police Department and representatives from the Department of Family and Child Services are investigating the incident. 646

LA MESA, Calif. (KGTV) - A tree trimming truck crashed into the side of a La Mesa church Wednesday, creating a gaping hole in the side of the building.A tree trimming crew was working on some trees on Pointe Ave., when their truck began rolling down the hill into the San Diego Taiwanese Presbyterian Church at 4426 Harbison Ave. around 1:30 p.m. according to witnesses."We all watched helplessly as there was nothing we could do," Rob Engquist, a witness, said. "Turns out they had gone out to reposition it, moved their wheel chalk out fo the way, don't know if the parking break was set or what happened, but the truck was going down the road on its own."La Mesa officials are investigating how the truck became dislodged.No one was inside the building at the time of the crash.The church's pastor told 10News the building hit by the truck is home to a weekly Bible study held Wednesday nights. 905

LA MESA, Calif. (CNS) - A woman who was hospitalized after being shot with a beanbag projectile during a protest in La Mesa has filed court papers seeking to force the La Mesa Police Department to release the involved officer's name.The petition asks that a San Diego Superior Court judge order the city of La Mesa and the police department to produce the name of the officer who fired a beanbag projectile at 59-year-old Leslie Furcron on the night of May 30.The department has not released the officer's name, though La Mesa police Chief Walt Vasquez issued a statement earlier this month assuring Furcron, "her family and the public that this unfortunate incident will be fully investigated, to include an in-depth look at our crowd control practices."The city and police department could not immediately be reached for comment on the petition filed Friday.Furcron was outside LMPD headquarters with a crowd of fellow protesters demonstrating against police brutality when she was struck in the forehead by what her attorney, Dante Pride, described as a "flying blackjack" and a "metal projectile bean bag," leaving her hospitalized in an intensive- care unit in a medically induced coma.The petition states that Furcron suffered "multiple facial fractures," has not yet regained sight in her left eye, and "will face a lifetime of recovery from the injuries."The petition alleges the La Mesa Police Department declined to disclose records that included the officer's name following a California Public Records Act request from Furcron's attorneys, citing an ongoing investigation and findings that releasing the name could endanger the officer's safety.The petitioner argues that courts have held that releasing officer names in such instances "is in the best interest of justice." It also states that Furcron's "right to pursue justice for the violence committed against her" outweighs the officer's fears and that the department has not provided "any evidence of threats from the public to corroborate the officer's fears."Pride and Furcron's family have publicly stated that they want the officer to be identified, fired and criminally charged. 2159

Las Vegas police say they have found the body of a young child inside of a duffel bag after a mother told them that her 3-year-old daughter disappeared during a walk to a local grocery store.The woman called police around 9 p.m. local time Thursday. She told police she was walking with her four young children to Albertson’s, across the street from her apartment complex.The child's grandmother also contacted Scripps station KTNV in Las Vegas and told the TV station that her grandchild was missing.Police officers searched the woman’s apartment first, not finding anything, and then the neighborhood. They decided to search the apartment again because parts of the woman’s story did not add up.During the second search, the body of a small child was found in a bag in a closet. Police officers detected a strong odor and it appears the body may have been in the closet for a few days. The woman was placed in custody and the other three children are in protective custody.The missing girl's father was arrested earlier this week after police received a call about a domestic disturbance.   1115